Vanguard Funding LLC Mortgage Lending & HMDA Data, 2012
In 2012, Vanguard Funding LLC of Garden City, NY reported 2,977 mortgage applications totaling $867.8 million, up 142% from 2011. The average application was for $291,503, and applicants reported an average income of $101,833. 45% of its applications resulted in an originated loan and 6% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (978), Nassau-Suffolk, NY (911) and Edison-New Brunswick, NJ (90) (applications in parentheses).
| Mortgage Company & Address | Vanguard Funding LLC 300 Garden City Plaza, Suite 170 Garden City, NY 11530 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 2,977 |
| Total Mortgage Loan Application Amount | $867,807,000 |
| Average Mortgage Loan Application Amount | $291,503 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $101,833 |
| Highest Applicant Income | $1,266,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vanguard Funding LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau, New York | 485 | $ 164,533,000 | $ 339,243 | $ 115,000 |
| Suffolk, New York | 426 | $ 124,135,000 | $ 291,396 | $ 105,000 |
| Queens, New York | 293 | $ 102,206,000 | $ 348,825 | $ 93,000 |
| Kings, New York | 254 | $ 96,451,000 | $ 379,728 | $ 102,000 |
| Richmond, New York | 118 | $ 39,092,000 | $ 331,288 | $ 98,000 |
| Westchester, New York | 111 | $ 34,591,000 | $ 311,630 | $ 117,000 |
| Bronx, New York | 63 | $ 19,963,000 | $ 316,873 | $ 90,000 |
| Orange, New York | 50 | $ 11,314,000 | $ 226,280 | $ 93,000 |
| New York, New York | 40 | $ 15,820,000 | $ 395,500 | $ 210,000 |
| Bergen, New Jersey | 35 | $ 11,380,000 | $ 325,142 | $ 135,000 |
| Fairfield, Connecticut | 32 | $ 11,039,000 | $ 344,968 | $ 104,000 |
| Monroe, New York | 32 | $ 4,882,000 | $ 152,562 | $ 87,000 |
| Dutchess, New York | 31 | $ 8,599,000 | $ 277,387 | $ 109,000 |
| Middlesex, New Jersey | 30 | $ 7,756,000 | $ 258,533 | $ 103,000 |
| Erie, New York | 29 | $ 5,454,000 | $ 188,068 | $ 98,000 |
| Monmouth, New Jersey | 27 | $ 7,563,000 | $ 280,111 | $ 111,000 |
| New Haven, Connecticut | 26 | $ 4,966,000 | $ 191,000 | $ 87,000 |
| Rockland, New York | 24 | $ 8,321,000 | $ 346,708 | $ 158,000 |
| Hartford, Connecticut | 22 | $ 4,031,000 | $ 183,227 | $ 80,000 |
| Essex, New Jersey | 22 | $ 5,988,000 | $ 272,181 | $ 94,000 |
| Ocean, New Jersey | 20 | $ 5,266,000 | $ 263,300 | $ 94,000 |
| Union, New Jersey | 19 | $ 4,989,000 | $ 262,578 | $ 78,000 |
| Palm Beach, Florida | 18 | $ 3,488,000 | $ 193,777 | $ 119,000 |
| Onondaga, New York | 17 | $ 2,299,000 | $ 135,235 | $ 67,000 |
| Middlesex, Connecticut | 16 | $ 3,932,000 | $ 245,750 | $ 115,000 |
| Putnam, New York | 16 | $ 4,658,000 | $ 291,125 | $ 112,000 |
| Camden, New Jersey | 15 | $ 2,487,000 | $ 165,800 | $ 83,000 |
| Hudson, New Jersey | 15 | $ 3,500,000 | $ 233,333 | $ 98,000 |
| Montgomery, Pennsylvania | 15 | $ 3,965,000 | $ 264,333 | $ 87,000 |
| Morris, New Jersey | 14 | $ 4,137,000 | $ 295,500 | $ 111,000 |
| Albany, New York | 14 | $ 2,471,000 | $ 176,500 | $ 93,000 |
| Ulster, New York | 14 | $ 2,975,000 | $ 212,500 | $ 149,000 |
| Philadelphia, Pennsylvania | 14 | $ 1,962,000 | $ 140,142 | $ 62,000 |
| Somerset, New Jersey | 13 | $ 3,344,000 | $ 257,230 | $ 92,000 |
| Bucks, Pennsylvania | 13 | $ 3,643,000 | $ 280,230 | $ 91,000 |
| York, Pennsylvania | 13 | $ 2,391,000 | $ 183,923 | $ 86,000 |
| Broward, Florida | 12 | $ 3,370,000 | $ 280,833 | $ 111,000 |
| Baltimore, Maryland | 12 | $ 2,778,000 | $ 231,500 | $ 106,000 |
| Jefferson, New York | 12 | $ 1,860,000 | $ 155,000 | $ 77,000 |
| Saratoga, New York | 12 | $ 2,486,000 | $ 207,166 | $ 78,000 |
| Cape May, New Jersey | 11 | $ 2,787,000 | $ 253,363 | $ 87,000 |
| Rensselaer, New York | 11 | $ 2,379,000 | $ 216,272 | $ 92,000 |
| Miami-Dade, Florida | 10 | $ 2,646,000 | $ 264,600 | $ 92,000 |
| Cumberland, New Jersey | 10 | $ 1,532,000 | $ 153,200 | $ 41,000 |
| Prince George's, Maryland | 9 | $ 2,352,000 | $ 261,333 | $ 68,000 |
| Essex, Massachusetts | 9 | $ 2,088,000 | $ 232,000 | $ 87,000 |
| Middlesex, Massachusetts | 9 | $ 2,978,000 | $ 330,888 | $ 96,000 |
| Passaic, New Jersey | 9 | $ 2,423,000 | $ 269,222 | $ 76,000 |
| Chester, Pennsylvania | 9 | $ 2,289,000 | $ 254,333 | $ 127,000 |
| Delaware, Pennsylvania | 9 | $ 1,866,000 | $ 207,333 | $ 87,000 |
| Anne Arundel, Maryland | 8 | $ 2,325,000 | $ 290,625 | $ 97,000 |
| Norfolk, Massachusetts | 8 | $ 2,550,000 | $ 318,750 | $ 77,000 |
| Atlantic, New Jersey | 8 | $ 1,520,000 | $ 190,000 | $ 88,000 |
| Burlington, New Jersey | 8 | $ 1,812,000 | $ 226,500 | $ 89,000 |
| Hunterdon, New Jersey | 8 | $ 3,367,000 | $ 420,875 | $ 132,000 |
| Mercer, New Jersey | 8 | $ 1,636,000 | $ 204,500 | $ 80,000 |
| Columbia, New York | 8 | $ 1,280,000 | $ 160,000 | $ 62,000 |
| Oneida, New York | 8 | $ 1,084,000 | $ 135,500 | $ 60,000 |
| Otsego, New York | 8 | $ 1,401,000 | $ 175,125 | $ 120,000 |
| Pasco, Florida | 7 | $ 836,000 | $ 119,428 | $ 75,000 |
| Barnstable, Massachusetts | 7 | $ 1,519,000 | $ 217,000 | $ 90,000 |
| Worcester, Massachusetts | 7 | $ 1,331,000 | $ 190,142 | $ 65,000 |
| Sussex, New Jersey | 7 | $ 1,529,000 | $ 218,428 | $ 229,000 |
| Sullivan, New York | 7 | $ 1,180,000 | $ 168,571 | $ 83,000 |
| Monroe, Pennsylvania | 7 | $ 905,000 | $ 129,285 | $ 57,000 |
| Northampton, Pennsylvania | 7 | $ 1,582,000 | $ 226,000 | $ 107,000 |
| Litchfield, Connecticut | 6 | $ 1,130,000 | $ 188,333 | $ 272,000 |
| Hillsborough, Florida | 6 | $ 1,611,000 | $ 268,500 | $ 92,000 |
| Montgomery, Maryland | 6 | $ 2,045,000 | $ 340,833 | $ 71,000 |
| Gloucester, New Jersey | 6 | $ 1,063,000 | $ 177,166 | $ 71,000 |
| Broome, New York | 6 | $ 894,000 | $ 149,000 | $ 116,000 |
| Clinton, New York | 6 | $ 976,000 | $ 162,666 | $ 93,000 |
| Delaware, New York | 6 | $ 925,000 | $ 154,166 | $ 68,000 |
| Schenectady, New York | 6 | $ 1,087,000 | $ 181,166 | $ 59,000 |
| Warren, New York | 6 | $ 1,536,000 | $ 256,000 | $ 82,000 |
| Lee, Florida | 5 | $ 721,000 | $ 144,200 | $ 50,000 |
| Martin, Florida | 5 | $ 697,000 | $ 139,400 | $ 66,000 |
| Frederick, Maryland | 5 | $ 1,438,000 | $ 287,600 | $ 104,000 |
| Washington, New York | 5 | $ 766,000 | $ 153,200 | $ 71,000 |
| Berks, Pennsylvania | 5 | $ 911,000 | $ 182,200 | $ 69,000 |
| Cumberland, Pennsylvania | 5 | $ 1,258,000 | $ 251,600 | $ 122,000 |
| Dauphin, Pennsylvania | 5 | $ 871,000 | $ 174,200 | $ 61,000 |
| Westmoreland, Pennsylvania | 5 | $ 1,047,000 | $ 209,400 | $ 43,000 |
| New London, Connecticut | 4 | $ 949,000 | $ 237,250 | $ 107,000 |
| Tolland, Connecticut | 4 | $ 891,000 | $ 222,750 | $ 68,000 |
| Pinellas, Florida | 4 | $ 537,000 | $ 134,250 | $ 87,000 |
| Baltimore City, Maryland | 4 | $ 918,000 | $ 229,500 | $ 72,000 |
| Plymouth, Massachusetts | 4 | $ 999,000 | $ 249,750 | $ 124,000 |
| Cattaraugus, New York | 4 | $ 255,000 | $ 63,750 | $ 6,000 |
| Niagara, New York | 4 | $ 551,000 | $ 137,750 | $ 64,000 |
| St. Lawrence, New York | 4 | $ 815,000 | $ 203,750 | $ 147,000 |
| Allegheny, Pennsylvania | 4 | $ 632,000 | $ 158,000 | $ 66,000 |
| Lancaster, Pennsylvania | 4 | $ 859,000 | $ 214,750 | $ 85,000 |
| Los Angeles, California | 3 | $ 873,000 | $ 291,000 | $ 72,000 |
| Windham, Connecticut | 3 | $ 363,000 | $ 121,000 | $ 22,000 |
| Orange, Florida | 3 | $ 925,000 | $ 308,333 | $ 100,000 |
| St. Johns, Florida | 3 | $ 464,000 | $ 154,666 | $ 100,000 |
| Essex, New York | 3 | $ 348,000 | $ 116,000 | $ 61,000 |
| Greene, New York | 3 | $ 482,000 | $ 160,666 | $ 166,000 |
| Herkimer, New York | 3 | $ 376,000 | $ 125,333 | $ 29,000 |
| Lewis, New York | 3 | $ 328,000 | $ 109,333 | $ 72,000 |
| Madison, New York | 3 | $ 492,000 | $ 164,000 | $ 91,000 |
| Ontario, New York | 3 | $ 518,000 | $ 172,666 | $ 85,000 |
| Tioga, New York | 3 | $ 308,000 | $ 102,666 | $ 46,000 |
| Buncombe, North Carolina | 3 | $ 572,000 | $ 190,666 | $ 106,000 |
| Mecklenburg, North Carolina | 3 | $ 375,000 | $ 125,000 | $ 30,000 |
| Luzerne, Pennsylvania | 3 | $ 548,000 | $ 182,666 | $ 78,000 |
| Pike, Pennsylvania | 3 | $ 478,000 | $ 159,333 | $ 33,000 |
| Riverside, California | 2 | $ 407,000 | $ 203,500 | $ 103,000 |
| Sacramento, California | 2 | $ 568,000 | $ 284,000 | $ 57,000 |
| Hernando, Florida | 2 | $ 352,000 | $ 176,000 | $ 74,000 |
| Osceola, Florida | 2 | $ 291,000 | $ 145,500 | $ 117,000 |
| Polk, Florida | 2 | $ 326,000 | $ 163,000 | $ 115,000 |
| Seminole, Florida | 2 | $ 789,000 | $ 394,500 | $ 89,000 |
| Fayette, Georgia | 2 | $ 401,000 | $ 200,500 | $ 47,000 |
| Lowndes, Georgia | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Lumpkin, Georgia | 2 | $ 231,000 | $ 115,500 | $ 0 |
| Allegany, Maryland | 2 | $ 281,000 | $ 140,500 | $ 39,000 |
| Harford, Maryland | 2 | $ 346,000 | $ 173,000 | $ 51,000 |
| Queen Anne's, Maryland | 2 | $ 657,000 | $ 328,500 | $ 125,000 |
| St. Mary's, Maryland | 2 | $ 406,000 | $ 203,000 | $ 91,000 |
| Bristol, Massachusetts | 2 | $ 351,000 | $ 175,500 | $ 40,000 |
| Hampshire, Massachusetts | 2 | $ 612,000 | $ 306,000 | $ 114,000 |
| Chenango, New York | 2 | $ 237,000 | $ 118,500 | $ 36,000 |
| Livingston, New York | 2 | $ 256,000 | $ 128,000 | $ 27,000 |
| Steuben, New York | 2 | $ 376,000 | $ 188,000 | $ 151,000 |
| Wake, North Carolina | 2 | $ 436,000 | $ 218,000 | $ 49,000 |
| Fayette, Pennsylvania | 2 | $ 250,000 | $ 125,000 | $ 66,000 |
| Lehigh, Pennsylvania | 2 | $ 317,000 | $ 158,500 | $ 43,000 |
| Alameda, California | 1 | $ 185,000 | $ 185,000 | $ 91,000 |
| El Dorado, California | 1 | $ 295,000 | $ 295,000 | $ 71,000 |
| Inyo, California | 1 | $ 273,000 | $ 273,000 | $ 70,000 |
| Monterey, California | 1 | $ 403,000 | $ 403,000 | $ 76,000 |
| San Diego, California | 1 | $ 327,000 | $ 327,000 | $ 0 |
| San Francisco, California | 1 | $ 731,000 | $ 731,000 | $ 143,000 |
| Stanislaus, California | 1 | $ 143,000 | $ 143,000 | $ 53,000 |
| Alachua, Florida | 1 | $ 126,000 | $ 126,000 | $ 78,000 |
| Clay, Florida | 1 | $ 386,000 | $ 386,000 | $ 330,000 |
| Collier, Florida | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Duval, Florida | 1 | $ 334,000 | $ 334,000 | $ 100,000 |
| Manatee, Florida | 1 | $ 206,000 | $ 206,000 | $ 84,000 |
| Marion, Florida | 1 | $ 143,000 | $ 143,000 | $ 32,000 |
| Sarasota, Florida | 1 | $ 368,000 | $ 368,000 | $ 113,000 |
| St. Lucie, Florida | 1 | $ 112,000 | $ 112,000 | $ 41,000 |
| Volusia, Florida | 1 | $ 204,000 | $ 204,000 | $ 51,000 |
| Clarke, Georgia | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Cobb, Georgia | 1 | $ 392,000 | $ 392,000 | $ 109,000 |
| Columbia, Georgia | 1 | $ 85,000 | $ 85,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 117,000 | $ 117,000 | $ 134,000 |
| Fulton, Georgia | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 314,000 | $ 314,000 | $ 98,000 |
| Hall, Georgia | 1 | $ 232,000 | $ 232,000 | $ 120,000 |
| Henry, Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Madison, Georgia | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Morgan, Georgia | 1 | $ 189,000 | $ 189,000 | $ 59,000 |
| Paulding, Georgia | 1 | $ 162,000 | $ 162,000 | $ 77,000 |
| Stephens, Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Calvert, Maryland | 1 | $ 233,000 | $ 233,000 | $ 107,000 |
| Caroline, Maryland | 1 | $ 195,000 | $ 195,000 | $ 42,000 |
| Howard, Maryland | 1 | $ 208,000 | $ 208,000 | $ 88,000 |
| Kent, Maryland | 1 | $ 379,000 | $ 379,000 | $ 109,000 |
| Somerset, Maryland | 1 | $ 160,000 | $ 160,000 | $ 223,000 |
| Talbot, Maryland | 1 | $ 696,000 | $ 696,000 | $ 258,000 |
| Washington, Maryland | 1 | $ 1,275,000 | $ 1,275,000 | $ 258,000 |
| Wicomico, Maryland | 1 | $ 184,000 | $ 184,000 | $ 85,000 |
| Worcester, Maryland | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Berkshire, Massachusetts | 1 | $ 241,000 | $ 241,000 | $ 127,000 |
| Dukes, Massachusetts | 1 | $ 512,000 | $ 512,000 | $ 129,000 |
| Hampden, Massachusetts | 1 | $ 93,000 | $ 93,000 | $ 34,000 |
| Suffolk, Massachusetts | 1 | $ 204,000 | $ 204,000 | $ 106,000 |
| Salem, New Jersey | 1 | $ 177,000 | $ 177,000 | $ 150,000 |
| Warren, New Jersey | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Chautauqua, New York | 1 | $ 100,000 | $ 100,000 | $ 70,000 |
| Chemung, New York | 1 | $ 250,000 | $ 250,000 | $ 74,000 |
| Cortland, New York | 1 | $ 184,000 | $ 184,000 | $ 72,000 |
| Genesee, New York | 1 | $ 159,000 | $ 159,000 | $ 69,000 |
| Montgomery, New York | 1 | $ 178,000 | $ 178,000 | $ 61,000 |
| Orleans, New York | 1 | $ 82,000 | $ 82,000 | $ 56,000 |
| Oswego, New York | 1 | $ 98,000 | $ 98,000 | $ 113,000 |
| Schoharie, New York | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| Tompkins, New York | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Wayne, New York | 1 | $ 207,000 | $ 207,000 | $ 57,000 |
| Brunswick, North Carolina | 1 | $ 212,000 | $ 212,000 | $ 135,000 |
| Dare, North Carolina | 1 | $ 410,000 | $ 410,000 | $ 165,000 |
| Forsyth, North Carolina | 1 | $ 139,000 | $ 139,000 | $ 65,000 |
| Lee, North Carolina | 1 | $ 110,000 | $ 110,000 | $ 115,000 |
| Surry, North Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Union, North Carolina | 1 | $ 280,000 | $ 280,000 | $ 146,000 |
| Bedford, Pennsylvania | 1 | $ 139,000 | $ 139,000 | $ 77,000 |
| Blair, Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 51,000 |
| Bradford, Pennsylvania | 1 | $ 382,000 | $ 382,000 | $ 118,000 |
| Cambria, Pennsylvania | 1 | $ 112,000 | $ 112,000 | $ 88,000 |
| Clinton, Pennsylvania | 1 | $ 112,000 | $ 112,000 | $ 21,000 |
| Franklin, Pennsylvania | 1 | $ 142,000 | $ 142,000 | $ 33,000 |
| Mercer, Pennsylvania | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Mifflin, Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Northumberland, Pennsylvania | 1 | $ 138,000 | $ 138,000 | $ 60,000 |
| Schuylkill, Pennsylvania | 1 | $ 93,000 | $ 93,000 | $ 137,000 |
| Snyder, Pennsylvania | 1 | $ 113,000 | $ 113,000 | $ 55,000 |
| Susquehanna, Pennsylvania | 1 | $ 394,000 | $ 394,000 | $ 187,000 |
| Washington, Pennsylvania | 1 | $ 174,000 | $ 174,000 | $ 59,000 |
| Wyoming, Pennsylvania | 1 | $ 234,000 | $ 234,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for Vanguard Funding LLC in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 2,109 | $607,815,000 | $288,000 | $1,300,000 | $103,000 | $1,266,000 |
| Home Purchase | 868 | $259,992,000 | $299,000 | $867,000 | $99,000 | $442,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,868 | $534,859,000 | $286,000 | $1,300,000 | $104,000 | $1,266,000 |
| Black or African American | 393 | $115,380,000 | $293,000 | $840,000 | $85,000 | $685,000 |
| Not Provided | 308 | $88,681,000 | $287,000 | $742,000 | $118,000 | $717,000 |
| Hispanic | 258 | $77,611,000 | $300,000 | $802,000 | $84,000 | $395,000 |
| Asian | 129 | $44,935,000 | $348,000 | $960,000 | $119,000 | $590,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $5,136,000 | $321,000 | $699,000 | $114,000 | $260,000 |
| American Indian or Alaskan Native | 5 | $1,205,000 | $241,000 | $346,000 | $63,000 | $109,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,539 | $442,279,000 | $287,000 | $1,300,000 | $121,000 | $1,266,000 |
| FHA-insured (Federal Housing Administration) | 1,422 | $421,949,000 | $296,000 | $932,000 | $82,000 | $751,000 |
| VA-guaranteed (Veterans Administration) | 15 | $3,259,000 | $217,000 | $562,000 | $80,000 | $168,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $320,000 | $320,000 | $320,000 | $120,000 | $120,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,329 | $381,539,000 | $287,000 | $802,000 | $97,000 | $751,000 |
| File Closed For Incompleteness | 973 | $291,627,000 | $299,000 | $945,000 | $110,000 | $685,000 |
| Application Withdrawn By Applicant | 347 | $102,736,000 | $296,000 | $1,300,000 | $110,000 | $1,266,000 |
| Application Denied By Financial Institution | 168 | $44,298,000 | $263,000 | $900,000 | $73,000 | $578,000 |
| Application Approved But Not Accepted | 160 | $47,607,000 | $297,000 | $731,000 | $111,000 | $717,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 42 | $12,966,000 | $308,000 | $900,000 | $80,000 | $402,000 |
| Collateral | 24 | $6,085,000 | $253,000 | $618,000 | $117,000 | $578,000 |
| Other | 24 | $6,734,000 | $280,000 | $686,000 | $85,000 | $228,000 |
| Credit History | 22 | $5,697,000 | $258,000 | $525,000 | $67,000 | $121,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $3,310,000 | $254,000 | $563,000 | $71,000 | $146,000 |
| Unverifiable Information | 11 | $3,238,000 | $294,000 | $417,000 | $74,000 | $156,000 |
| Employment History | 8 | $1,877,000 | $234,000 | $417,000 | $83,000 | $120,000 |
| Credit Application Incomplete | 3 | $662,000 | $220,000 | $350,000 | $64,000 | $108,000 |
| Mortgage Insurance Denied | 1 | $75,000 | $75,000 | $75,000 | $58,000 | $58,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vanguard Funding LLC's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Vanguard Funding LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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